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We spend a lifetime generating wealth but few of us spend the time to ensure it’s passed on in the way we want it to.
Global shares: it was another difficult month for the asset class with declines of 0.8% (unhedged) and 0.2% (hedged), although some markets (particular in Asia) were able to eke out gains.
Global shares had a poor month. Global equities (-3.2% unhedged and -7.4% hedged) significantly underperformed the broader Australian market during April.
Planning for a future where super is essential -but only one part of retirement planning –is where financial advice matters. Many people can manage single-focus decisions.
From spending time in virtual reality worlds to sitting down for a meal made of bugs, our day-to-day life tomorrow could be very different to the one we know today.
From 1 July 2022, if you’re a first home buyer you can release up to $50,000 (up from $30,000) from your voluntary super contributions to help you buy your first home. Under the scheme, voluntary concessional and non concessional contributions made on or after 1 July 2017 may be released from super to help you purchase your first home.
Global shares had a mixed month. Due to upward movements in the Australian dollar, on an unhedged basis, global shares were down 0.9%, but on a hedged basis were up 2.9%.
The unexpected events of the past few years have made financial protection a front of mind matter for most Australians. Now more than ever we appreciate that life does not always go the way we plan. Having a plan in place if things do take an unexpected turn can mean that our health, lifestyle and family are better protected.
Global shares fell 2.8% and 5.5% in unhedged and hedged terms, respectively, which was a similar result to what we saw in January. Global emerging markets fell 5.8% over the month.
Since July 2018 thousands of people have taken advantage of the Government’s downsizer contribution scheme by selling their home and making contributions to their super.
Are you approaching retirement? Then chances are the funding of your lifestyle in retirement may be on your mind.
Global shares fell 2.2% and 5.1% in unhedged and hedged terms, respectively. Global emerging markets rose 1.2% over the month.
The last couple of years have been tough on a lot of people with the COVID pandemic throwing the world into chaos and taking a toll on our physical, mental, financial and emotional wellbeing.
Global shares rose 4.0% and 1.7% in hedged and unhedged terms, respectively. Global emerging markets fell 0.6% over the month, based on continuing concerns around the Omicron variant.
New year is a great time for making lifestyle changes, however, for goals and changes affecting your financial health, there’s often no better time than when starting a new job.
With a few simple changes, you could set a good example for your children.
Global shares fell 3.8% and 3% in hedged and unhedged terms, respectively.
That means the longer you live, the more money you will need for your retirement. Whatever your plans, it’s vital you have a strategy in place so that you can build your retirement savings as much as you can before you retire.
Taking care of household finances can be time consuming and boring – and often people don’t know where to start.
There are key changes in the financial planning industry that came into effect on 1 July 2021. Your financial adviser is aware of these changes and can discuss them with you in relation to your own situation
As Financial Advisers we talk about superannuation a lot. So much so that it probably becomes a fuzzy word people don’t even hear any more. And the younger you are, the less interested you probably are.
We have a few months left before the busy Christmas and school holiday period is upon us, so now is the time to think about whether your financial plan needs to be reviewed in light of any changes to your circumstances this year, and if your Will is up to date and estate planning is in order.
It seems we are increasingly using apps in everyday life. Apps can help us manage certain aspects of our lives, tap into things that are of interest to us, or keep track of different goals.
Compared to other investment structures, super is widely considered to be one of the most tax effective investment structures available from a wealth accumulation and cash flow generation perspective.
As the lockdowns extend in Australia stocks continue to ignore bonds
At some point you will retire. Many of us hope that is sooner, rather than later. We hope that we can retire with enough life left in us to enjoy all the things that took a backseat during our working years. We want enough money to be comfortable and safe in the knowledge we won’t run out of money and have to go back to work, unless of course we want to.
When it comes to building and maintaining wealth, super is widely considered to be one of the most tax-effective investment structures available. Click to read more...
If you are in, or nearing, the retirement phase of your lifestyle you might be considering whether you want to stay in your current accommodation, or look for something to suit your needs as they change over the coming years.
In a year that has seen so many unexpected events take place it is top of mind for most Australians now more than ever that life does not always go the way we plan, but having a plan in place if things do take an unexpected turn can mean that our health, lifestyle and family are better protected.
Global shares rose 4% and 3.2% in hedged and unhedged terms, respectively. The rotation to stocks benefitting from a strong economic recovery faltered in April. Strong profit results for major US tech companies such as Google saw growth
Aged care is a complex and emotive topic and many people don’t think about their aged care needs until the time to do something is upon them – at which point the options can be limiting.
Vaccination rollouts en masse - Global Shares and emerging Markets
Have you made a big financial mistake in the past? One that cost you a lot of time and money to fix?
Global shares rose 3.4% and fell 0.5% in hedged and unhedged terms, respectively.
With the increased activity online – be it due to working from home, home schooling, or simply because we have found a great availability of engaging and interesting content and streaming services, we are online a lot more and need to consider if we are adhering to safe cyber practices at home.
Global shares rose 7.7% and 12.2% in hedged and unhedged terms, respectively. Global equities were led on the upside by European equities with the German market up 15% and the French rising 20.1%...
Welcome to the last edition for 2020. It has been a challenging year with the bushfires, drought and COVID-19 pandemic.
Global shares fell -3.2% and -1.1% in hedged and unhedged terms, respectively. Global equities were led on the downside by both US and European equities with the German market down over -9.4%.
Having an appropriate financial plan in place covers more than just investments and insurance. The same goes for a financial adviser – there are some you will just click with, who
Global shares fell 2.9% and 0.3% in hedged and unhedged terms, respectively. Global equities were led on the downside by the US market with Tech stocks struggling as the techheavy Nasdaq Index fell by -5.2% in USD terms.
Federal Budget Summary, The 2020 Budget is all about jobs, jobs and spending to make more jobs.
The increasing cost of goods and services is a reality most Australians have to deal with. Data from the Australian Bureau of Statistics shows that living expenses for employee households were up by 1.1% from March 2020, compared to March 20191. This may not seem like a lot, but if living expenses go up and wages stay stagnant, it makes an impact of your overall household income and expenses ratio.
Global shares rose 6.2% and 3.5% in hedged and unhedged terms, respectively. Global equities continue to be led by the US market with Tech stocks the leaders as the tech-heavy Nasdaq Index rose by 9.6% in USD terms.
Working in retirement can be enjoyable, If you are not ready to take your foot completely off the brake as your working career slows down, you may find a happy medium and foster a healthy routine by working in retirement.
If you are worried about the rising cost of living expenses and are not seeing any wage increases, then it’s time to get organised with your finances, set a realistic budget, work out what you can do without and where you can invest to save.
Global shares rose 2.3% and fell -1.1% in hedged and unhedged terms, respectively.
We hope that we can retire with enough life left in us to enjoy all the things that took a backseat during our working years. We want enough money to be comfortable and safe in the knowledge we won’t run out of money and have to go back to work, unless of course we want to.
Global shares rose 4.7% and 3.4% in hedged and unhedged terms, respectively.
Are you a new technology pioneer, or a proud ‘technophobe’? Wherever you sit on the digital spectrum, the transformative power of technology is undeniable. What’s important is how you harness it.
Over the last 20 years, since 1999, the percentage of Australians age 65 years or over increased from 12.3% to 15.9%.
Investment results tend to vary more widely when you just consider the returns over a period of one year.
Global shares fell -13.4% and -8.3% in hedged and unhedged terms, respectively
Global shares fell -8.5% and -4.9% in hedged and unhedged terms, respectively
If you have retired and think the days of reviewing your financial plans are over, think again. Now is the time to review your entire plan in-line with your new lifestyle and pay particular attention to any insurance cover in place.
If you are in your 40s and feeling like your financial fitness could do with an overhaul, then make 2020 the year to do it!
Global shares were up 2.3% and were down -0.9% in hedged and unhedged terms, respectively.
Global shares were up 3.2% and 4.7% in hedged and unhedged terms, respectively.
Global shares were up 1.8% and 0.4% in hedged and unhedged terms, respectively.
Welcome to our quarterly magazine – in this edition: • Strategies for dealing with market volatility • Nominating your super beneficiary • Practical ways of taking control of your personal finances after divorce • Supersize your super • Sharing is caring
Protecting yourself from frivolous creditors and lawsuits is becoming an increasingly common concern. Here we outline some of the ways you can insulate your assets.
The rally from December resumed with most equity markets up for the month.
One of the world’s most admired investors, Warren Buffett, is famous for saying “Don't save what is left after spending; spend what is left after saving.”
The rally from December faltered slightly with most equity markets down for the month.
A goals-based investment approach isn’t focused on ‘beating the market’. It’s about tailoring your investments to meet your personal goals.
The rally from December has continued into July with most equity markets up for the month.
Having an appropriate financial plan in place covers more than just investments and insurance. The same goes for a financial adviser – there are some you will just click with, who can help improve your financial future.
Welcome to our quarterly magazine – in this edition: • An enjoyable retirement – are you on track? • A look at minimalism • Protect the lifeblood of your business • How reading books can do wonders for your wellbeing • Forty years behind us
For many women, starting again after being left widowed or divorced can be difficult and overwhelming. Consider how good financial advice can make a real difference.
The rally from December lows faltered in May with most equity markets down for the month.
Welcome to our quarterly magazine – in this edition: • Take control of your retirement • Stay financially healthy even in sickness • How social media affects our spending • Rising cost of cyber crime • Protect your ability to earn income • Discover the benefits of mindful eating • Super: too important to ignore
The rally from December lows has flowed into April with most markets positive.
Teaching your kids healthy money habits. With a few simple changes, you could set a good example for your children.
The market rally that began in January continued more modestly in February and into March, with most markets positive.
After January’s bounce, February was a little quieter but still ended in positive territory, with global shares up by 3.4% and 5.6% in hedged and unhedged terms respectively.
If you’re organised with your finances, the high cost of living doesn’t have to mean diminished savings.
Welcome to our quarterly magazine – in this edition: • How to deal with irregular income • Cashflow: Keeping top tips top of mind • Downsizer super contributions could help you boost your super • Prepare for the rising Age Pension age • Smart ways to get ahead in your 40s • Enjoy luxuries without sacrificing your financial security • Six ways to get the most out of a windfall
January was a more positive month for investors after December’s volatility, with shares recovering most of their late 2018 losses. Global shares rose by 7.1% and 4.1% in hedged and unhedged terms respectively.
In your 40s and still not financially secure? Don’t fret. You can still catch up.
Welcome to our quarterly magazine – in this edition: • Weaning young adults off the bank of Mum and Dad • How to manage finances in a relationship • Catch up on your super contributions • The five key questions on aged care • How to make working in retirement more enjoyable • Six ways to get more out of a windfall
Windfalls such as salary bonuses and inheritances are more common than many people think. An Australian survey showed that 85% of seniors are likely to leave an inheritance for their children, with an estimated $3.3 trillion pledged1.
Whether they’re saving for a house or a holiday or seeking to grow or preserve their family wealth, setting up and sticking to a budget can help couples attain their common goals. By handling money well, they can avoid disagreements that could put a strain on their relationship.
Life insurance policies don’t have to cost an arm and a leg. Here are tips for making them more affordable.
Eating, exercising, wellbeing. You get out what you put in. Surprisingly, investing isn’t that different. This article by Leah explores how making small changes now gives you the freedom of choice later.
Bert Dugdale was named to Barron’s inaugural ranking of the Top 50 Financial Advisers in Australia, published in partnership with The Australian. This is the first time the list has been published outside of the US.
You need to be savvy to build a sufficient nest egg for retirement. Planning is key, and so is getting professional advice. Most Australians are not saving enough for retirement and risk running out of money sooner than they expect. Data shows that in 2015–16, Australians had average superannuation balances of only $270,710 for men and $157,050 for women at the time of retirement.1 These sums are significantly lower than the $545,000 that the Association of Superannuation Funds (ASFA) estimates singles need for a comfortable lifestyle in later years.
When things go wrong, it’s nice to know you’re covered. But getting suitable insurance cover can be a matter of getting professional advice.
Welcome to our quarterly magazine – in this edition: Start your own business and thrive Professional advice and customised portfolio solutions • Managing your money through illness or injury What’s the Bitcoin buzz? Wedding budget bliss: how to afford your dream wedding Change your lifestyle, change your health
New Year’s resolutions help you focus on what you would like to achieve in the coming year. Financial resolutions can be particularly beneficial, especially if you’re serious about following them through. Here are some suggestions to get you started.
Take a break – without breaking the bank Holidays should be a well-deserved break from worry. Here’s how to minimise your stress and have a relaxing time away.
The US remains buoyant with business and consumer confidence elevated. The US share market (S&P 500) keeps powering along supported by solid earnings and accommodative policy.
Welcome to our quarterly magazine – in this edition:What’s new in superannuation? Simple ways to help keep Christmas affordable Why you should consider key-person insurance Five things to consider when giving to charities Plan behind Healthy tips for avoiding dementia
It’s an important skill but many people are still not as financially literate as they should be. Here are some ways that may help you improve.
The urge to donate is strong in Australia, and it’s easy to make it part of your financial plan. An estimated 14.9 million Australian adults (80.8 per cent of the population) gave $12.5 billion to charities and not-for-profit organisations in 2015–16.
Talk surrounding Donald Trump’s proposed tax reforms and solid economic data more than offset concerns about North Korea, the US Federal Reserve announcing that they will commence to trim their balance sheet and likely lift rates again this year.
As kids grow older, their financial needs – and their opportunities – grow more complex. If you have done the groundwork and taught your children the benefits of budgeting and saving, it will be much easier to talk to them about managing their finances in their teens and beyond. Teaching good money management early will help them make informed financial decisions over the long term.
Share markets in the US closed flat for August after a choppy month on the back of US political uncertainty, riots in Charlottesville and tensions in North Korea. The devastation of Hurricane Harvey also contributed to what has been the most volatile month in the S&P500 this year.
Welcome to our quarterly magazine – in this edition:What’s new in superannuation? Fixed income: friend or foe? Personal insurance in a nutshell First-home buyers get some help Relaxation: ...
How to deal with market volatility Market volatility can be a curse or a blessing… It all depends on how ready you are to deal with it...
Global share markets rose strongly during July as political risks and fears of a hard landing in China subsided. US growth in the second quarter lifted and we suspect a similar outcome in Q3...
First-home buyers get some help State and federal governments are creating new incentives to help first-home buyers get into the overheated housing market...
Global share markets paused in the month following rising volatility on the back of lower oil prices. The Fed raised interest rates by another 25bps following better economic conditions although the market ...
Budget offers an incentive to downsize The 2017 Federal Budget encourages some older people to downsize from homes that no longer meet their needs to free up housing stock for young families...
Global share markets rose during the month as a strong reporting season in the US and Europe lifted investor confidence. Australian shares underperformed global shares as concerns over economic growth ...
Welcome to our quarterly magazine – in this edition: SMSFs are on the rise Should we continue allocating alternatives in a diversified portfolio? Are you financially ready for retirement? Changes…
Welcome to our quarterly magazine – in this edition: Safeguarding your retirement plan Retirees and life insurance? Tax changes for seniors are now on the table Are your finances ready for ...